| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | UNITEDHEALTHCARE INS. CO. | $834 | $24K | $25K | 1.93% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INS. CO. | $595 | $16K | $17K | 1.33% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $20K | — | $20K | 10.68% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $571 | $3K | $3K | 4.74% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.81% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $998 | $2K | 7.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE. OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $424 | $339 | $763 | 8.19% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | — | $507 | 5.44% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INS. CO. | 242 | $1.5M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $89K |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 12 | $184K |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 151 | $250K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $26K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INS. CO. | 242 | $1.5M |
| Other(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 927 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.